Compare Charleston, WV Car Insurance Rates (2021)

Car insurance in Charleston, WV averages $332 a month. Charleston, West Virginia car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Charleston car insurance rates, compare quotes from the top car insurance companies in Charleston, WV.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Charleston is State Farm
  • Average car insurance rates in Charleston, WV are $3,980/year
  • The cheapest car insurance company in Charleston for teen drivers is State Farm

If you need to buy Charleston, West Virginia car insurance, the options can be confusing. Everything you need to know about car insurance in Charleston, WV is right here.

You’ll find Charleston car insurance rates, the cheapest Charleston, WV car insurance companies, and information on West Virginia car insurance laws. You can also compare Charleston, West Virginia car insurance rates to Beckley car insurance rates, Martinsburg car insurance rates, and Weirton car insurance rates.

Ready to find affordable Charleston, WV car insurance today? Enter your ZIP code for fast, free Charleston car insurance quotes.

Cheapest Charleston, WV Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Charleston, WV car insurance rates? Every Charleston, West Virginia car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Charleston, West Virginia

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,884 $2,671 $2,590 $2,595 $10,508 $10,951 $3,167 $3,162
GEICO $2,625 $2,586 $2,490 $2,413 $6,608 $7,971 $2,521 $2,628
Liberty Mutual $3,736 $4,055 $3,003 $3,662 $14,236 $16,068 $3,852 $4,233
Nationwide $2,051 $2,079 $1,868 $1,955 $5,376 $6,790 $2,320 $2,481
Progressive $2,221 $2,132 $2,055 $2,051 $9,797 $11,019 $2,667 $2,744
State Farm $1,677 $1,677 $1,519 $1,519 $3,836 $4,951 $1,986 $1,563
USAA $1,721 $1,695 $1,605 $1,614 $5,756 $6,353 $2,223 $2,384

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Minimum Car Insurance in Charleston, WV

Every driver must carry the minimum car insurance in Charleston, WV. Take a look at the West Virginia car insurance requirements.

Minimum Required Car Insurance Coverage in Charleston, West Virginia

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

Cheapest Charleston, WV Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Charleston, WV. Compare credit history car insurance rates in Charleston from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Charleston, West Virginia

Insurance Company Poor Fair Good
Allstate $5,847 $4,642 $3,959
GEICO $4,496 $3,660 $3,035
Liberty Mutual $9,439 $5,811 $4,567
Nationwide $3,547 $2,993 $2,805
Progressive $4,843 $4,230 $3,935
State Farm $3,366 $2,049 $1,608
USAA $4,294 $2,478 $1,985

Cheapest Charleston, WV Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Charleston, WV to rates for a clean record with top companies.

Annual Charleston, West Virginia Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,057 $4,814 $5,775 $4,618
GEICO $2,318 $3,716 $6,400 $2,487
Liberty Mutual $5,410 $6,841 $7,564 $6,607
Nationwide $2,491 $3,331 $3,872 $2,766
Progressive $3,679 $4,944 $4,400 $4,320
State Farm $2,142 $2,541 $2,341 $2,341
USAA $2,292 $2,716 $3,868 $2,799

Cheapest Charleston, WV Car Insurance for Teen Drivers

Teen car insurance in Charleston, WV can be expensive. Take a look at rates from the top car insurance companies in Charleston for teenagers.

Annual Car Insurance Rates for Teen Drivers in Charleston, West Virginia

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,508 $10,951
GEICO $6,608 $7,971
Liberty Mutual $14,236 $16,068
Nationwide $5,376 $6,790
Progressive $9,797 $11,019
State Farm $3,836 $4,951
USAA $5,756 $6,353

Cheapest Charleston, WV Car Insurance for Seniors

Take a look at Charleston, WV senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Charleston, West Virginia

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,590 $2,595
GEICO $2,490 $2,413
Liberty Mutual $3,003 $3,662
Nationwide $1,868 $1,955
Progressive $2,055 $2,051
State Farm $1,519 $1,519
USAA $1,605 $1,614

Cheapest Charleston, WV Car Insurance Rates After a DUI

A DUI in Charleston, WV increases car insurance rates. Compare Charleston, West Virginia DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Charleston, West Virginia

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,775
GEICO $6,400
Liberty Mutual $7,564
Nationwide $3,872
Progressive $4,400
State Farm $2,341
USAA $3,868

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Cheapest Charleston, WV Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Charleston, WV by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Charleston, West Virginia

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,816 $4,816
GEICO $3,689 $3,772
Liberty Mutual $6,606 $6,606
Nationwide $3,115 $3,115
Progressive $4,336 $4,336
State Farm $2,278 $2,404
USAA $2,885 $2,953

Cheapest Charleston, WV Car Insurance Rates by ZIP Code

Charleston car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Charleston, WV.

Annual Car Insurance Rates by ZIP Code in Charleston, West Virginia

ZIP Code Average Annual Rates
25301 $3,961
25302 $3,979
25303 $3,998
25304 $3,978
25305 $4,024
25306 $3,992
25309 $3,985
25311 $4,009
25312 $3,955
25313 $3,952
25314 $3,967
25320 $3,961
25387 $3,921
25389 $3,931

The Best Cheap Car Insurance Companies in Charleston, WV

Take a look at a side-by-side comparison of the top car insurance companies in Charleston, WV to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Charleston, West Virginia

Insurance Company Average Annual Rates
Allstate $4,816
GEICO $3,730
Liberty Mutual $6,606
Nationwide $3,115
Progressive $4,336
State Farm $2,341
USAA $2,919

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Category Winners: Cheapest Car Insurance in Charleston, West Virginia

Find the cheapest car insurance companies in Charleston, WV for each category right here.

Best Annual Car Insurance Rates by Company in Charleston, West Virginia

Category Insurance Company
Teenagers State Farm
Seniors State Farm
Clean Record State Farm
With 1 Accident State Farm
With 1 DUI State Farm
With 1 Speeding Violation State Farm

Cheapest Charleston, WV Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Charleston car insurance rates. Find the cheapest Charleston, WV car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Charleston, West Virginia

Insurance Company Low Medium High
Allstate $4,631 $4,807 $5,010
GEICO $3,496 $3,741 $3,954
Liberty Mutual $6,264 $6,590 $6,962
Nationwide $3,024 $3,106 $3,215
Progressive $4,148 $4,287 $4,573
State Farm $2,192 $2,335 $2,496
USAA $2,810 $2,914 $3,033

What affects car insurance rates in Charleston, West Virginia?

What factors can have an impact on Charleston, WV car insurance? There are several reasons why Charleston car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Charleston, West Virginia.

Commute Time in Charleston

The more time you spend in your car the higher the risk of an accident. The average commute length in Charleston, WV is 17.5 minutes according to City-Data.

Traffic in Charleston

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Charleston, WV traffic data from INRIX ranks Charleston as the 649th-most congested in the world.

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Compare Car Insurance Quotes in Charleston, WV

Ready to find affordable Charleston, West Virginia car insurance today? Enter your ZIP code for fast, free Charleston, WV car insurance quotes.

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